American Integrity Insurance Group, Inc., a Tampa-based property and casualty insurance holding company, has reported net income of $28.4 million for the third quarter of 2026, up 115.4% from $13.2 million in the same period a year earlier.
During the quarter, gross premiums written grew 22.7% to $293.3 million from $239.1 million in Q3 2025, primarily driven by growth in its voluntary market writings.
Gross premiums earned increased 14.9% to $255 million from $221.9 million. Ceded premiums earned decreased 9.5% to $153.9 million from $170 million, primarily due to the reduction in the company’s non-catastrophe quota share reinsurance arrangement. Net premiums earned rose 94.5% to $101.2 million from $52 million.
Total revenues at the company stood at $113.5 million, up 83% from $62 million.
Losses and loss adjustment expenses increased 29.1% to $38.3 million from $29.7 million. The loss and loss adjustment expenses ratio was 36.6%, compared to 54.1%.
The Q3 2026 combined ratio improved to 70.6% from 78.9%. This comprised a lower loss ratio of 36.6%, compared to 54.1%, and a higher expense ratio of 34.0%, compared to 24.8%.
American Integrity’s net investment income amounted to $8.4 million, a 21.9% increase from $6.9 million, primarily due to growth in its invested assets, driven by higher in-force premiums.
Policies in-force stood at 481,446 as of September 30, 2026, an increase of 18.6% from 406,094 as of September 30, 2025. American Integrity attributed the increase to new policies written through the voluntary market and the 2025 Citizens take-outs.
In-force premiums totalled $1,069 million as of September 30, 2026, up 17.4% from $910.4 million a year earlier.
American Integrity wrote 117,814 new and renewal policies in the voluntary market, an increase of 28.6%.
Robert Ritchie, Chief Executive Officer, commented, “We delivered another strong quarter that reflects the continued execution of our strategy and the increasing strength of our voluntary growth platform. Following record voluntary new business production in the second quarter, we sustained that momentum in the third quarter, writing approximately 41,000 voluntary new business policies, an increase of 57% year over year, and an acceleration from the second quarter’s year-over-year growth rate. We are seeing broad-based growth across our key strategic initiatives and believe we have substantial runway ahead.
“Our growth remains grounded in the disciplined underwriting and thoughtful risk selection that have defined American Integrity for more than two decades. As we approach the important milestone of half a million customers, it remains imperative that we remain focused on the same core principles that have made American Integrity successful through various market cycles.”
